Date Received: 2015-04-25
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONCOMPLAINT : XXXX : XXXX XXXX XXXX XXXX New Jersey XXXXDear Consumer Financial Protection Bureau:XXXX I did not sign the application, and this is very clear from the paperwork HSBC has provided. The original application does not have my signature, and whoever singed XXXX is forgery which is illegal. XXXX. Again, I diligently sought legal representation and MOST IMPORTANT, I rescinded the deal within 3 day window. XXXX. I never received the truth in lending disclosure. I have invested and spent FAR TOO MUCH TIME AND MONEY INTO THIS ENCUMBRANCE and it is not My burden to bear any longer. This house located at XXXX XXXX XXXX XXXX, NJ XXXX has been paid for XXXX. This house is a SURE EXAMPLE OF PREDATORY LENDING. The property has been under contract XXXX times since 2014, and XXXX home loans refuses to LET GO. There is no way this property appraised for {$200000.00}. Again, GET THIS PROPERTY OUT OF MY NAME. RIGHT Now, there is a contract for a short sale and XXXX loans is holding the deal up. Enough is enough, either convince XXXX home loans to proceed with short sale ( including no deficiency judgments, {$5000.00} relocation fee for Me, XXXX XXXX XXXX, and total debt cancellation ), or MAKE THEM. Realtor is XXXX ( XXXX ) real estate XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX, email : XXXXXXXXXXXX ). XXXX and XXXX, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2015-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-25
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I need the lien removed off of our vehicle that has been paid off since 2006. HSBC states they do n't have record and your dmv said XXXX would release lien. XXXX states they do n't have the record because its too old. There is XXXX complaints regarding the same issue that HSBC did to others. And over XXXX complaints altogether regarding their illegal company. I need your help getting this taken care of. I have also paid in full the title to be sent. I have multiple email from dmv telling me that hsbc has to sign removal of lien but they wont ever return phone call. They no longer have the records because its more than 14 years since I bought the car. Hsbc is very unprofessional company. Look them up under bbb and complaints on the internet. Please clear the lien so I can sell the car. I am trying to abide by the law but I can not if I cant get the title. I would greatly appreciate itHere is proof I have been told so many different rules and I have followed them all. I have been to dmv multiple times. I also want this company investigated for all the grief it has caused others and the money it has stolen from many. Show ImagesChange this settingPhotos XXXX XXXX AllI do n't have the title and lien holder has closed down so how do I get a letter of lien? I appreciate you responding but that is not answering my original question. Sent from my XXXX I do n't have the title and lien holder has closed down so how do I get a letter of lien? I appreciate you responding but that is not answering my original question. Good afternoon XXXX, Thank you for contacting us. I hope you are having a nice day! If you are unable to obtain a release of lien letter and the lien is over 10 years old, please provide the following to the a local county tax office : Title Title application ( attached ) Statement of fact that states " lien has been paid and lienholder can not be located. '' {$33.00} title feeYou will leave the lienholder section blank on the title application. XXXX County Tax OfficePhysical:XXXX XXXX XXXX XXXX Texas XXXX : XXXX O. XXXX XXXX XXXX, TX XXXX : ( XXXX ) XXXX : XXXXXXXXXXXX : http : //www.hctax.net/Please let us know if you have any questions. We are happy to help! Sincerely, XXXX XXXX XXXX XXXX XXXX Division Customer Care Representativeemail : AskDMV@TxDMV.gov Phone : XXXX or XXXXWe love hearing from our customers and value your feedback. Click here to take a short survey. Vehicle InformationVIN XXXXPlate Number : Subject & RecipientsMain Subject : MotoristsMotorists Recipient : AskDMV@TxDMV.govDealers Recipient : Motor Carriers Recipient : Consumer Protection Recipient : Media Inquiries Recipient : Feedback Recipient : Open Records Recipient : MessageI need to get title on this car. I have paid over XXXX for it and still no title. It was paid off almost 10 years ago. It is a XXXX. The lien holder states they do not have my account anymore and it is considered inactive. Can you please send me the title or tell me what to do to get it. I have printed the XXXX form out but not sure of what to put on lien holder because they are out of business. I paid car off and much more with interest. I see on the web that any car with a lien more than 10 years is dismissed and I am rightful owner. I just need to sell car please. Thanks, XXXX XXXX XXXX Good afternoon XXXX, Also bankruptcy was filed in XXXX last year and we owed nothing on it anyway but if they say we did it is under bankruptcy.
Company Response:
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2015-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-24
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: I have been trying to contact this collection agency for the past two weeks. They do not answer their phones neither answer e-mails. I just filed bankruptcy and I need to let them know my case number. Please help me to contact this collection agency. This agency is holding my debt from HSBC/XXXX Credit Card. ( They have not tried to contact me, you just do n't have an option for my problem )
Company Response:
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2015-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-23
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: I received a text message on XX/XX/XXXX from my general manager at my place of employment letting me know someone was trying to get in touch with me and he gave me their information. I called the number and gave them the reference number. I was then transferred to a gentleman claiming to be from XXXX. He had all my information, social, amount I currently have available on my credit cards and so on. He told me I owe money for a credit card I had in XX/XX/XXXX. I asked why I had n't received anything in the mail and he told me they had sent it, the mail service can be unreliable. I said I wanted something in writing from them, to prove they are who they say they are. I mentioned that I had n't seen anything on my XXXX credit report and he said it was because I needed to check my XXXX one. I told him bottom line I did n't feel comfortable settling for XXXX and issuing a credit card payment without any knowledge of who they are. He said he could send me a generic email, that would n't pertain any type of payment information to set up, just general information. I was leaving for work at the time and he did send the email which did n't even contain a letterhead. I google searched the number they had called from, XXXX, and found numerous complaints about threatening and harassing calls. I also bought my experian credit report and found that a company, XXXX ran a credit check on me on XXXX XXXX, which would explain how he had all my information. I searched that company and found a phone number but when I called that company it was a voicemail saying if I left a message someone would return my call in 24hours. I left it at that. Then today, XX/XX/XXXX around XXXX someone claiming to be from XXXX? called my place of employment asking for the address and my name, my employee then gave the phone to me. It was a woman claiming to be from a processing server company who told me they were planning to come to my place of employment within the next hour to serve me with papers that would require a signature, I said that was fine. She then repeatedly asked if I wanted a number so I could call and have the serving of the papers rerouted, I said no, its fine. She asked what time I would be here until and I said I 'll be here all day. It 's now XXXX EDT and no one has shown up. I explained to my general manager what was going on and apologized for the phone call. He told me that when he was contacted yesterday the woman on the phone was telling him they needed to contact me immediately or that was it, I would lose my chance of any resolution. He also said that he was received numerous call from who he assumes is them again today but he was not answered to avoid any further problems.
Company Response:
State: MA
Zip: 01085
Submitted Via: Web
Date Sent: 2015-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Today, XXXX/XXXX/XX/XX/XXXX, at XXXX XXXX CST, I received a phone call from someone stating that they are with the XXXX and that they are representing HSBC Bank. She stated that they are working with HSBC to file Felony Theft of Business Services charges against myself and my husband due to a vehicle that was repossessed from us. The vehicle was repossessed back in XXXX XX/XX/XXXX. She stated that HSBC has been sending letters to us, but we have not received anything to date in regards to this. The address that they have supposedly been sending letters to, we have not lived at for over 6 years. We put in a forwarding address with the post office and our current address is listed on file with our credit report. The original creditor HSBC has already written off the debt and it has already fallen off of my credit report. I have not seen the collection for the debt listed on my credit report any longer as of XXXX XX/XX/XXXX. Can they legally file these charges against us on a debt that is almost 8 years old? Is n't this considered a " Dead Debt '' which in Texas is illegal to collect on? When I requested written documentation, she stated that it would take 30-45 days to receive in the mail. She stated that they only have it in their office for the next XXXX hours before it goes to be processed for a summons for court. She did not ask for my current address. She also stated that I would be receiving a summons in the mail to appear in court in regards to this matter. HSBC has made no attempt to contact me since XX/XX/XXXX when the vehicle was repossessed.
Company Response:
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In 2011, I was placed on XXXX due to a work related issue. The XXXX lasted for approximately 8 months. Upon being able to return to work, I was fired the following day and remained unemployed for an additional 3 months. I was making a significant salary at that time and also on an adjustable mortgage plan. During my XXXX/unemployment I was struggling to maintain my mortgage payments and became late. XXXX more month of being delinquent, I may have faced foreclosure. Thankfully, I regained employment but my salary was reduced by nearly 10 % in addition the commute was quite distant. On or around this period, my adjustable interest rate with HFC went up by nearly 50 %. I contacted HFC and requested assistance. HFC only granted temporary modifications at 6 month increments. My last time requesting for a modification, I was denied and told that I have exceeded the maximum amount of modification requests and advised that I can reapply in a year and I would be eligible once again for loan modification. I waited patiently and one year later, I reapplied and I was denied. I appealed the request stating that I was advised that I would be eligible after a year but my appeal was denied. The only XXXX options I was given were either a Short Sale or Deed in Lieu of Foreclosure. I turned down those options because I DO NOT WANT TO LOSE MY HOME! After struggling to make my mortgage payments, I tried to refinance my loan but was denied because I am underwater with my loan and my loan to value was not good. I was then referred to XXXX, XXXX for assistance. I worked with XXXX and they submitted my refinance request to HFC. Again, HFC denied my modification request and this time for different reasons. I was again only given XXXX options, either a short sale or a deed in lieu of foreclosure. During my time trying to work with HFC on refinancing my loan I was also told that they do not do modification loans in addition, do not have to comply with the Obama mortgage rescue plan. I am seeking your assistance in hopes by filing a complaint to HFC of their unfair acts with mortgage rates. Currently my XXXX mortgage rage is 7.59 % and my second just went up to 10.15 %!!! It 's sickening and absurd that mortgage companies are allowed to do this to consumers, knowing that they are stuck between a rock and a hard place and can not get out of their contract with them. HFC is very aware that I am underwater and my LTV is too low that no other bank will refinance my loan so they are taking advantage of a long time customer with a high interest rate and knowing that the current market rate is between 2-4 %
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-18
Issue: Customer service / Customer relations
Subissue:
Consumer Complaint: HSBC BANK Credit card, Account number XXXX Date Open XX/XX/XXXX credThis account is over 7 Years old no payments was made on this account since XX/XX/XXXXi have ask for validation and they have refused
Company Response:
State: IL
Zip: 60188
Submitted Via: Web
Date Sent: 2015-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-17
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: This is my XXXX submission regarding Beneficial on different issues. They seem to respond only when I file with CFPB. We refinanced our Mortgage in XXXX to a local bank and still did not get the Released Deed of Trust. According to the new lien holders beneficial did not release the deed of trust and the payment has cleared.
Company Response:
State: NE
Zip: 684XX
Submitted Via: Web
Date Sent: 2015-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I experienced an unexpected temporary financial hardship and I contacted Beneficial to explore options. The representative that I spoke with suggested that she could offer a deferred payment plan. Notably, I fulfilled the requirements of the payment plan. However, upon a recent review of my credit report, I noticed that Beneficial reported my account delinquent during the deferred payment plan period ( XXXX and XXXX ). Though I appreciate the deferred payment plan, I am upset that Beneficial failed to disclose that they would report the account delinquent to the credit reporting agencies during this period. Indubitably, if I had known that the account would have been reported as delinquent to the credit reporting agencies - I would have borrowed the money from a friend or a family member.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-16
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: On my account I had charges I did not owe. They kept billing me any how. A Company called me to make arrangements on my balance stating they were A lawfirm aattempting to locate me to serve papers to go to court. I could not under stand this I am easy to locate or contact. I agreed to pay a payment that day to avoid court of over XXXX. They said if I did not pay that day I would be sued..I did not want that so I agreed to pay and make future payment to them. I bought a credit card you can l ; oad your money on to make these payments.I also asked them to send me copies of my account and info on their company. This never happened. After a few payments I felt my balance on my account was paid in full and when I never received this paper work I called the number from my caller ID anf found out they were a collection agency acting as a lawer with threats. They had impersonated a lawer while on the phone with me.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No